The analysis of the portfolio for February shows a mix of trends. There's moderate growth in loan volume and an increase in outstanding balances, indicating continued loan servicing. The increase in early-stage delinquencies (Par 30 and Par 60) is a concern, even though Par 90 improved. The significant decrease in the collection rate is a concerning trend that requires attention. The changes in loan terms and interest rates may have implications for the portfolio's risk profile and profitability. Lenders should closely monitor delinquency trends and assess the impact of changing loan terms and interest rates on portfolio performance.
A full breakdown of the calculations for these metrics is available here.
| Indicator | Feb MoM |
|---|---|
| Volume | 4.75% |
| Outstanding Balance | 1.68% |
| Par 30 | 0.29% |
| Par 60 | 0.19% |
| Par 90 | -0.45% |
| Collection Rate | -4.23% |
| Term | -0.11% |
| Interest | 2.12% |